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Single Family ResidenceResidential
$158,262$220 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

521 W CONGRESS ST

BELDING, MI 48809
2
Beds
1
Baths
720 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$158K
$148K low$168K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$158,262
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$126,610

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,615 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$108,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$101,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$217,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
29
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyIONIA
Lot (acres)The size of the land the home sits on, from county records.0.39
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Belding Middle SchoolC
Middle · Grades 6–8 · 0.5 mi
E
Ellis Elementary School
Elementary · Grades PK–2 · 0.6 mi
H
Belding High SchoolD+
High · Grades 9–12 · 0.8 mi

District: Belding Area School District

Neighborhood · ZIP 48809These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.127
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.11,765
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.137 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,613
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,863
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

521 W Congress St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 93% of homes in Belding 48809
  • Costs more per square foot than 78% of homes in Ionia County
  • Smaller than 97% of homes in Belding 48809
  • Has a smaller lot than 69% of homes in Ionia County
  • Older than 66% of homes in Ionia County

What homes are worth in Belding 48809

Each bar is how many homes fall in that price range. The marker is this home.

This home
$123K$646K

This home is worth more than 7% of homes in Belding 48809.

How it measures up in Belding 48809

The dot is this home. The mark in the middle is the typical home in Belding 48809.

Estimated value$158,262
CheaperTypical $248,890Pricier

Pricier than 7% of homes nearby

Price per ft²$220
CheaperTypical $185Pricier

Pricier than 73% of homes nearby

Living area720 ft²
SmallerTypical 1,382 ft²Bigger

Bigger than 3% of homes nearby

Lot size0.39 ac
SmallerTypical 0.71 acBigger

Bigger than 37% of homes nearby

Year built1959
OlderTypical 1964Newer

Newer than 47% of homes nearby

How 521 W Congress St ranks against every home in each area.
MeasureThis homeBelding 48809Ionia County
Estimated valuepricier than$158,2627% of homes14% of homes
Price per ft²pricier than$22073% of homes78% of homes
Living areabigger than720 ft²3% of homes3% of homes
Lot sizebigger than0.39 ac37% of homes31% of homes
Year builtnewer than195947% of homes34% of homes

About 521 W Congress St

How much is 521 W Congress St, Belding, MI worth?

The TopHap Estimate for 521 W Congress St, Belding, MI is $158,262 as of Jul 14, 2026. The likely range is $148,284 to $168,240. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 521 W Congress St, Belding, MI last sell?

521 W Congress St, Belding, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 521 W Congress St, Belding, MI?

521 W Congress St, Belding, MI has 2 bedrooms, 1 bathrooms, 720 square feet of living space and a 0.39-acre lot.

When was 521 W Congress St, Belding, MI built?

521 W Congress St, Belding, MI was built in 1959, making it 67 years old. It is a ranch home. The building has 1 story.

What schools serve 521 W Congress St, Belding, MI?

521 W Congress St, Belding, MI is assigned to Belding Middle School (middle), rated C; Ellis Elementary School (elementary); Belding High School (high), rated D+. All sit in Belding Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 521 W Congress St, Belding, MI compare to other homes in Belding 48809?

Among the 3,918 homes in Belding 48809, it is worth more than 7% of them ($158,262 against a typical $248,890), its price per square foot is higher than 73% of them ($220 against a typical $185), it is bigger than 3% of them (720 ft² against a typical 1,382 ft²), its lot is bigger than 37% of them (0.39 ac against a typical 0.71 ac) and it is newer than 47% of them (1959 against a typical 1964). Measured against all of Ionia County, it is worth more than 14% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 521 W Congress St, Belding, MI?

The 2025 property tax bill for 521 W Congress St, Belding, MI was $1,615. The county assessed it at $108,500.

Closest homes

More homes in Belding 48809

Assigned schools

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